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The Dave Ramsey Show

The Dave Ramsey Show is about real life and how it revolves around money. Dave Ramsey teaches you to manage and budget your money, get out of debt, build wealth, and live in financial peace. Managing your money properly will reduce stress, improve your marriage, and provide security for you and your family.
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Now displaying: April, 2018
Apr 24, 2018

Get answers to real-life money questions on these topics: property taxes, selling a car, mutual funds, and small-business loans. A family from West Virginia visits the show to share their debt-free story!

 

 

Featured Calls:

  • Margie: Should I do a 1031 to avoid the taxes on a property sale? 
  • Amy: How to handle a leased car I got through divorce?
  • Debt-Free Scream: Adam and Abby paid off $43,000 in 17 months on pastor and teacher salaries! 
  • Cameron: Advice for opening a franchise?

   

  

Win With Money:

 

 

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Apr 24, 2018

Get answers to real-life money questions on these topics: renting, investing in Roth IRAs, planning for retirement later in life, and paying for a wedding. A couple from Texas visits the show to share their debt-free journey and scream, "We're DEBT-FREE!"

 

 

Featured Calls:

  • LindsaySell in a hot market now and rent?
  • Debt-Free Scream: Chris and Skye paid off $58,000 in less than two years!
  • Devin: Should I roll my 401(k) into a Roth?
  • Jack: Can I invest in Baby Step 2?
  • Brian: How to cash-flow my wedding?

   

  

Get Out of Debt:

 

 

Also Mentioned in This Episode:

Apr 24, 2018

Get answers to real-life money questions on these topics: the fastest way to be debt-free, switching jobs, making more money and finding passion in what you do. Also, a couple in St. Louis calls the show to share their debt-free story and yell, "We're DEBT-FREE!"

 

 

More From Ken Coleman: 

 

 

Featured Calls:

  • Kevin: Sell the truck to keep the 5th wheel?
  • Debt-Free Scream: Beau and Ashley paid off $82,000 in three months! "It's a liberating feeling to know that we no longer have credit card debt and never will again!"
  • Stephanie: Take a pay cut for more family time?
  • Kim: Switch jobs from radio to construction?
  • Chris: Is passion more important than money?

   

  

Beat Debt:

 

 

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Apr 23, 2018

Dave talks about diversified investing and shares a sad story from The Wall Street Journal. Also, get answers to real-life money questions on these topics: selling a vehicle, student loans, grad school and retirement.  A couple from Iowa visits the studio to scream, "We're DEBT-FREE!"

 

 

Featured Calls:

  • Greg: How to give an older friend money advice?
  • Jordan: Sell my husband's truck?
  • David: Take out a loan for grad school?

   

  

Beat Debt:

 

 

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Apr 23, 2018

Get answers to real-life money questions on these topics: planning for financial success, when to buy a home, financing a mattress, upgrading to a bigger home, growth stock mutual funds, and using credit cards to get a high FICO score. Also, Cliff shares a story about hearing Dave on the radio while waiting to lease a car at the dealership.

 

Featured Calls:

  • Ryan: How can I set myself up for financial success when I graduate?
  • Adesoji: Get a master's or buy a house?
  • Nick: Sell the house to pay off debt?
  • Joanne: How to help my 85-year-old grandma invest?
  • Parker: Pay off the maxed out card first?

   

  

Beat Debt:

 

 

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Apr 23, 2018

Get answers to real-life money questions on these topics: family business, GoFundMe, home buying, whole life insurance, and investing decisions. Also, Anthony ONeal visits Dave in studio to chat about teen entrepreneurs.

 

 

More From Anthony ONeal:

 

 

Featured Calls:

  • Brady: How to be successful in family business?
  • Danica: Buy a house and rent the rooms out?  
  • Sue: Cash out a whole life policy?
  • Tiffany: How to prepare for a meeting with a financial advisor?

 

 

Also Mentioned in This Episode:

 

Apr 20, 2018

Get answers to real-life money questions on these topics: buying a house with cash, tithing, how to handle an inheritance, and investing in 401(k)s with a company match. A couple from Michigan shares how they paid off $202,163 to become DEBT-FREE!

 

 

Featured Calls:

  • Ashia: How can I avoid getting a mortgage?
  • Aisha: Should we keep renting or buy?
  • Crissy: We own a house with my sister, and she wants out.

   

  

Win With Money:

 

 

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Apr 20, 2018

Get answers to real-life money questions on these topics: IRA investing, child support, ESA funding, the fastest way to get out of debt, how to sell an upside-down car and the risks of working for family. A young couple from Ohio shares how they paid off $173,000!

 

 

Featured Calls:

  • Hunter: Is it better to invest pre-tax or post-tax?
  • Cameron: Should I get a side-hustle to get out of debt faster?
  • T.J.: Should we fix the bullet holes in our car before we sell it?
  • Michael: Should I go to work for my brother-in-law?

   

  

Win With Money:

 

Apr 20, 2018

Get answers to real-life money questions on these topics: 401(K) investing, home buying, annuities and how much cash to keep on-hand for emergencies. A couple from Texas visits the studio to share their debt-free story!

 

 

Featured Calls:

  • Jamie: Should we take out a second mortgage to pay for bug extermination?
  • Jaleesa: Where does my car loan go in the debt snowball?
  • Joyce: Should I pay off my house?

   

  

Win With Money:

 

 

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Apr 19, 2018

This episode gives practical advice to callers with real-life money questions. Specific topics range from overwhelming car payments to working together in marriage and the effect of debt on the economy to identify theft. A couple shares their debt-free story: "We thought we were managing our money, but our money was managing us."

 

 

Featured Calls:

  • Melanie: Should I pay off my car first?
  • Mitch: Should I use the income from my nest egg to invest in a Roth IRA?
  • Leonard: How do I fight a collector when I'm the victim of identify theft?

   

 

Win With Money:

 

 

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Apr 19, 2018

This episode gives practical advice to callers with real-life money questions. Specific topics range from low-paying jobs to fatalistic statements and life insurance to Chapter 13 bankruptcy. A couple shares how they became debt-free: "It's so cool. Because we paid off all our debt, we're going to Pairs and London in a few weeks! We're able to cash flow it!"

 

 

Featured Calls:

  • Alia: How can I make the Baby Steps work on a low income?
  • Ben: Can I refinance after a Chapter 13 bankruptcy?
  • Steven: 31 years old with two kids, should I keep staying with my parents while I save for a house?

   

 

Win With Money:

 

 

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Apr 19, 2018

This episode gives practical advice to callers with real-life money questions. Specific topics covered range from term life insurance costs to mortgage interest rates and how to go to college without student loans to the seven steps to becoming wealthy. A couple from Nashville shares the key of success in their debt-free story: "We're a team. We don't do anything without consulting one another."

 

 

Featured Calls:

  • Jennifer: Do I need life insurance if I'm divorced?
  • Brittany: How does a mortgage company determine your interest rate if you have a zero credit score?
  • Shelly: Can we save for college and pay off the house?
  • Adam: What spending and saving ratios should we use with our kids?

   

 

Win With Money:

 

 

Also Mentioned in This Episode:

Apr 18, 2018

This episode gives real-life inspiration to anyone who wants to learn how to become a millionaire. Discussion topics range from determining net worth to focused intentionality.

 

More From Chris Hogan: 

"It's all about discipline, hard work and intentionality." --Chris Hogan

 

 

Featured Calls:

  • Gary: I have $1 million net worth and never made over $57,000 annually.
  • Del: I'm worth $22 million at age 53.
  • Mark: I don't have a degree, but I'm worth $1.35 million at age 50.

  

 

Win With Money:

 

 

Also Mentioned in This Episode:

Apr 18, 2018

This episode gives matter-of-fact guidance on money to help people with life's problems. Discussion ranges from investing for retirement to car-buying tips and declaring bankruptcy to avoiding business debt. A farming couple from Montana drops by the studio with over $700,000 of debt and receive a hard wake-up call for their business and marriage. 

 

 

Featured Calls:

  • Janelle: My husband is retiring at the end of the month and we have no retirement savings.
  • Joy: Can you give me some used car-buying tips?
  • Abe: I'm being sued by AmEx for $15,000.

  

 

Win With Money:

 

 

Also Mentioned in This Episode:

Apr 18, 2018

This episode gives hope to people struggling to negotiate with debt collectors. Also, hear practical advice on topics from IRAs to paying off debt and tithing to budgeting. 

 

 

Featured Calls:

  • Sara: Collectors didn't accept my offer on my final debt, and I don't know what to do.
  • Miranda: I'm not sure which loan to pay on first.
  • Chris: I make $80,000 but I'm living paycheck to paycheck.

 

 

More From Chris Brown: 

"Silent gratitude is useless." — Chris Brown

 

 

Get Out of Debt:

 

 

Also Mentioned in This Episode:

Apr 17, 2018

This episode gives common sense advice for people who want to take control of their money and beat debt for good! 

 

 

Featured Calls:

  • Isaiah: What do I do with my whole life policy?
  • Debt-Free Scream: Kyle and Jenn are debt-free!
  • Jacob: Why should I hire an investment advisor?

 

 

Win With Money:

 

 

Also Mentioned In This Episode:

Apr 17, 2018

This episode gives expert advice on life and money. Topics covered vary from retirement annuities and construction loans to setting realistic timelines on goals and how to help people with their finances.  

 

 

Featured Calls:

  • Chris: Is an annuity right for my mom?
  • Nicole: Which construction loan option is best?
  • Matt: Stop retirement investing to pay off the house?

 

 

Beat Debt:

 

 

Also Mentioned In This Episode:

Apr 17, 2018

This episode gives workable solutions to life's money questions. Specific topics range from paying taxes and investing for college to combining finances in marriage and how to find a reputable attorney. Also, hear the truth about USDA Loans: "I think it is one of the worst mortgage programs out there." — Dave

 

 

Featured Calls:

  • Savannah: Should I invest my college savings in the S&P 500?
  • Mary: What should I do with an insurance settlement?
  • Kyle: How do we select mutual funds in a 529?

 

 

Win With Money:

 

 

Also Mentioned In This Episode:

Apr 16, 2018

This episode gives no-nonsense guidance on topics ranging from life insurance and budgeting to buying or selling a rental property and how to find an old debt in collections. Dave gives book recommendations for small business owners and people working a side-hustle. A couple from Hawaii shares their debt-free story!

 

Featured Calls:

  • Isaiah: What's the best way to control my spending?
  • Harry: My wife and I disagree about selling the rental.
  • Kathleen: Should we get child riders on our life insurance?
  • Debt-free Scream: Kyle and Jenn paid off all of their student loan debt after reading The Total Money Makeover! 

 

Win With Money:

 

Also Mentioned In This Episode:

Apr 16, 2018

This episode offers sensible solutions on topics from increasing your income and getting out of debt to keeping enough cash in an emergency fund and paying off the mortgage. A young lady from Kansas City shares her debt-free journey: "Passion is empty without action!"

 

Featured Calls:

  • Alyssa: Is it better to hold a garage sale or donate the items for a tax write-off?
  • Tim: Should we use non-retirement funds to pay off our house?
  • Lavina: How do I overcome my fear of charging enough for my side hustle?
  • Debt-free scream: Brittany paid off $20,000 in 6 months. "I lived like a poor college student."

 

Win With Money:

 

Also Mentioned In This Episode:

Apr 16, 2018

This episode gives expert advice to investors, parents and hard-working people who want to beat debt. Discussion topics range from investing and real estate to determining your net worth and how to raise money-smart kids. Also, a family from Colorado shares how they paid off $395,000 to become debt-free in five years!

 

DAVE RANT: "An eagle that doesn't leave the nest is what's known as a turkey." 

 

Featured Calls:

  • Conner: Should I listen to my parents' advice and start investing before I pay off my student loans?
  • Tori: Should I pay my son to do his homework?
  • Debt-Free Scream: Kasey and Mandy paid off their house after taking Financial Peace University! "You have to get crazy and be willing to live below your means."

 

Beat Debt:

 

Also Mentioned In This Episode:

Apr 13, 2018

Learn how to turn your finances around and get rid of an upside-down car. Listen to insight on why the debt snowball is the fastest way to find financial peace! "Freedom. When are you gonna get you some?" — Dave

 

Featured Calls:

  • John: How do I handle two upside-down trucks?
  • Travis: Should I wait to pay off a 0% interest debt?
  • Debt-Free Scream: Brandon and Kelly paid off over $120,000 after being inspired by another couple's debt-free scream!
  • Steve: Pay for our dream property with retirement funds? 

  

Win With Money:

 

Dave Also Mentioned:

Apr 13, 2018

If you're sick and tired of drowning in debt and want a way out, you'll find practical step-by-step advice in this episode. Learn whether adult children are responsible for their parents' debts and the best way to handle an overwhelming amount of medical bills. 

 

Featured Calls:

  • Dustin: Keep my out-of-state rental?
  • Ben: Roll my credit cards into my HELOC?
  • Heather: How can I buy my leased car?
  • John: How should we prioritize our medical expenses?
  • Zachary: How can I attack student loan debt when I spend $2,200 on housing each month?

  

Get Out of Debt:

 

Dave Also Mentioned:

Apr 13, 2018

Does your family run from you when you talk about money? This episode covers how to talk to your family about spending and a quick way to find $5,300 to throw at your debt in just 9 weeks. Also, learn how much you should be spending on housing and whether or not banks have the power to garnish your wages. A caller from Germany asks whether he should invest while he still has student loans. 

 

More From Ken Coleman:

 

More From Chris Brown:

 

Featured Calls:

  • Adam: How do I talk to family members about debt? 
  • David: I need to buy a truck so I can make money.
  • Christina: What percent of my income should go toward rent?
  • Tanya: Can the bank garnish my wages to pay a credit card bill?
  • Dominic: Should I pay off my student loans before investing?
  • Justin: Should I add on to my trailer?

 

Get Out of Debt:

 

Also Mentioned on the Show:

Apr 12, 2018

Dave discusses the research that proves people spend way less money when they pay with cash. Dave explains what an emergency fund is and how much money to keep in your bank as a "buffer." A non-Christian asks if he should feel guilty for not tithing 10%. A young couple from Alaska calls Dave to yell, "I'm DEBT-FREE!" At the end of the show, Dave gives a shout-out to the Nashville Predators and (more importantly) to his son and daughter-in-law-to-be!

 

Featured Calls:

  • Josh: Do I really need to save $1,000 in Baby Step 1?
  • Brantley: Should I tithe as a non-Christian?
  • Debt-Free Scream: Randy and Sarah paid off $195,000—including the house—after reading The Total Money Makeover!
  • Taylor: How long should we rent before we buy?

 

Win With Money:

 

Dave Also Mentioned:

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